Budget after a layoff: what did you cut first? - any advice?

We are a household of 6 and need to cut costs quickly. It has been weighing on me all week. I am nervous about the credit card minimums. Did any lender work with you?

A simple budget with three columns, fixed, flexible and optional, made decisions faster.

Thanks for writing this out. I went through something close to it 12 months ago, and it settled down once I kept a simple log of every call and form.